Charter Member Welcome Spectrum FCU Charter Members! In order to be a Spectrum FCU Charter Member you need to have joined Spectrum in 1973 or 1974. Benefits The following is a list of benefits of being a Spectrum FCU Charter Member. If you have any questions about these benefits and you joined Spectrum FCU in 1973 or 1974, please contact us. Free Personal Checks* (see below for limitations) Unlimited FREE ATM Point-of-Sale withdrawals No monthly service fee for PAL Bill Payer function No monthly service fee for Checking Waive the Automatic Overdraft fee. This is the fee for transferring funds from their share or line-of-credit accounts to cover a check written from an account with insufficient funds. 100 basis point discount on all Consumer Loans (Consumer loans do not include mortgages, lines-of-credit, or credit cards. 100 basis points equals 1%.) .25 basis point dividend bonus on Spectrum FCU Certificates and IRAs * (Limited to Basic Design only - one box per year)